What does single trip travel insurance cover?
A typical single trip travel insurance policy offers:
-
Holiday cancellation cover if you can’t travel due to illness, certain changes in your personal circumstances or a change in Foreign, Commonwealth & Development Office (FCDO) advice for your destination.
-
Luggage and personal possessions cover protects against theft, loss or accidental damage during your trip. But your belongings usually aren't covered if you leave them unattended.
-
Emergency medical costs and treatment should also include return travel to the UK if injury or illness means you need to return early.
Single trip travel insurance usually won’t cover:
-
Treatment for pre-existing medical conditions that you have when you take out your travel insurance policy, including things like cancer, stroke and diabetes. If you need cover for a pre-existing condition, consider a medical travel insurance policy.
-
Travelling against Foreign Commonwealth & Development Office (FCDO) advice. For example, if the FCDO has advised it’s unsafe to travel to a certain country or region. Check the latest FCDO advice on the destination before your trip.
-
Skiing or extreme sports aren't covered as standard, but you can add cover for an extra cost. You can also get adventure travel insurance to cover extreme sports like rock climbing.
-
Natural disasters and terrorism may not be covered, so check the policy wording or contact your insurer if you’re unsure.
-
Claims caused by drinking alcohol or taking drugs.
You can also get extra cover for cruises and business trips. Just select the extras you need when you’re getting a quote for your single trip holiday insurance and we’ll do the rest.
What are the different types of travel insurance?
Family travel insurance
means you can get one policy that covers everyone, rather than buying individual policies.
Need more help?
When's the best time to start single trip travel insurance?
You should take out travel insurance as soon as you’ve booked your trip. If you suddenly need to cancel your trip due to illness, for example, you can claim under the cancellations cover on your single trip travel insurance policy.
Leave it too late and you risk having to cancel your holiday without actually having any cover for cancellations in place.
At least buy your single trip travel insurance before your day of departure or you risk not being covered for things like medical expenses and lost luggage as well.
Can I get single trip holiday insurance for staycations in the UK?
You can buy travel insurance for staycations in the UK. But certain conditions may apply to policies on UK trips, like where you’re going and how long you’re away for. If you’re going somewhere close to home, an insurer may not provide cover.
So check your single trip travel insurance policy wording.
Do I still need a European Health Insurance Card (EHIC)?
You can still use your European Health Insurance Card (EHIC) if it hasn’t already expired. If you don’t have an EHIC, you can apply for its replacement, the Global Health Insurance Card (GHIC). The GHIC gives you state healthcare in most European countries at a reduced cost or sometimes for free.
Your EHIC or GHIC isn’t a replacement for travel insurance, but you should take it with you.
Does single trip travel Insurance cover COVID-19?
Many single trip travel insurance policies will pay out for claims caused by COVID-19, but not all.
When you get a quote with us, we’ll show you which policies include COVID-19. We’ll also share the insurer’s COVID guidelines so you can check what’s covered before you buy.
What counts as single trip for travel insurance?
This can vary, depending on your individual policy and insurer – many single trip insurance policies can only provide cover for up to a month. But some might be able to cover you for up to three months. If in doubt, you should check the policy wording or contact the insurer directly before you buy.
Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from theidol.com if you decide to buy through our website which is based on a percentage of the total annual premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.
cookie usage